Where Can I Check My Credit Score For Free
Many people ask if they can check my credit score for free?
By FTC law you can request a free credit report from each of the three credit bureaus however, the report will not contain your credit score. There are 3 separate credit scores for each bureau which are Experian, Equifax and Transunion. In order to see your credit score each collection agency will charge you a fee. The fee is only about a $1 for each agency so a total of $3.
A Free Tip
However, there are ways to check your credit scores for free. Over the last few years their have been a number of credit for free online services that enable you to obtain your scores without any fee. Many of these companies such as freescore.com and credit karma.com offer a 3 in 1 free report and score by asking you to sign up for their monthly subscription services where you can check your credit report and scores on a regular basis.
The best way to do this without paying anything is to sign up first for their free trial which entitles you to see each of the 3 bureau scores. This trial usually lasts for 7 days. Once you receive your free annual credit report and score you can cancel the trial membership. If you do not cancel your free trial then you will be charged either an ongoing monthly or annual subscription to view your credit scores on a regular basis as well as receive the other financial advice services they offer.
A Low Credit Score Means More Hassle
With the current economic climate we live in today it is very important to know the health of your credit rating and where your score is ranked on the FICO credit score scale. A low score can not only cost you more money in higher interest rates but it can also mean more inconvenience and hassle. If you have your heart set on buying a new car or your dream house then you are more likely to be turned down more often when making an application for a loan or mortgage.
A low score means that you will be considered as a higher risk in the eyes of the banks, other lenders and insurance companies. You can help to increase your credit score by reducing the amount of bad debt you have and ensuring you pay your bills on time. As time goes on the credit score will play a more influential role in each of our lives and it is very important that we keep a check on it.
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